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Home Insurance Providers Ireland – What Does KennCo Cover?

Posted on May 31, 2017

The information below provides useful information in relation to your policy. This Policy Summary does not contain the full terms and conditions of your Household Policy. Subject to change. Correct as at 31 May 2017. 

Section 1 – Material Loss or Damage to the Building of your Home

  • A wide range of covers are provided under the Buildings section including: Fire, Lightning, Explosion and Earthquake
  • Storm, Flood and Weight of Snow
  • Persons taking part in Labour Disturbances, Malicious Damage and Vandalism
  • Escape of water from and frost damage to fixed water tanks, apparatus or pipes
  • Escape of oil from a fixed domestic oil-fired heating installation
  • Collision or impact involving any vehicle, train, aircraft or other aerial devices
  • Theft (or Attempted Theft)
  • Subsidence or Ground Heave
  • Accidental Damage In addition you are covered for:
  • Loss of Rent or Alternative accommodation up to 10% of the sum insured on buildings
  • Accidental Damage to Glass and Sanitary Fittings
  • Fire Brigade Charges up to €2,000
  • Trace and Access up to €1,500
  • Garden Cover up to €2,000
  • Professional Fees and Costs

Section 2 – Material Loss or Damage to Contents of your Home

  • A wide range of covers are provided under the Buildings section including:
  • Fire, Lightning, Explosion and Earthquake
  • Storm, Flood and Weight of Snow
  • Persons taking part in Labour Disturbances, Malicious Damage and Vandalism
  • Escape of water from and frost damage to fixed water tanks, apparatus or pipes
  • Escape of oil from a fixed domestic oil-fired heating installation
  • Collision or impact involving any vehicle, train, aircraft or other aerial devices
  • Theft (or Attempted Theft)
  • Subsidence or Ground Heave
  • Accidental Damage

 

In addition you are covered for:

  • Money up to €650
  • Credit Cards up to €900
  • Jewellery up to 10% of the contents sum insured with a limit of €1,500 per item
  • Loss of Keys up to €500
  • Freezer Cover up to €750 per unit
  • Loss of Rent or Alternative Accommodation up to 10% of the contents sum insured
  • Contents sum insured automatically increased by 20% at Christmas Compensation of €10,000 for death of Insured

Section 3 – Personal Effects

This section is only available if cover for Section two – Contents is included.

The limit in respect of any one item is €1,000 unless you have specified otherwise and the item is shown in the schedule.

Cover is available away from your home anywhere in the territorial limits and elsewhere in the world for a period not exceeding 60 days in any one period of insurance for loss or damage by any external or visible cause to your personal effects.

You may also extend cover to include cover for Pedal Cycles (Optional Extension 1)


Section 4 – Your Legal Liability to the Public

You are covered up to €3,000,000 for your legal liability to the Public.

Family Legal Protection

Family Legal Protection is a legal expenses insurance contract. It will help you by providing legal advice and representation if you, or family members who always live with you, have a legal dispute which is insured under the policy.

Insured incidents which are covered include:

  • Contract Disputes
  • Identity Theft
  • Bodily Injury
  • Clinical Negligence
  • Employment Disputes
  • Property Protection
  • Tax Protection
  • Jury Service and Court Attendance
  • Legal Defence

This Policy is a complex document and contains a large number of specific terms relevant in specific circumstances. Many of these terms may however be extended, curtailed or removed in individual cases, depending on the nature of the risks being insured and those covers requested. The policy may also contain warranties describing actions that you must take or avoid for any cover to operate.

In respect of all of the above sections you should refer to your policy wording for full details of cover and exclusions.

Sums Insured

In order to protect yourself against underinsurance we recommend that you review your sums insured on a regular basis. If needs be get a professional valuation of your property.

Business Use

There is no cover provided for any property held in connection with any business, trade or professional purpose other than home office equipment as referred to within the definition of contents.

Excesses Applicable

  • A standard excess of €250 and €500 excess for escape of water claims applies to the Home Choice product. The standard excess is
    increased to €350 on Home Unique where the escape of water excess is €1,000.
  • €500 applies in respect of weight of snow claims
  • €1,500 in respect of Subsidence or Ground Heave claims

Cover your home with KennCo Home Insurance by clicking here or calling 0818 25 20 25.

*Information correct as at 31/5/17. Subject to change.

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